Total Assets
$273M
Total balance-sheet footings
FDIC Cert #10317 · Rutledge, Tennessee · Est. 1919
Citizens Bank and Trust Company of Grainger County - FDIC Bank Health Profile
A community-scale look at Citizens Bank and Trust Company of Grainger County's own numbers, pulled straight from its quarterly FDIC Call Report.
- $273M
- Total assets
- A
- Health grade · Excellent
- 1.13%
- Return on assets
- 14.3%
- Tier 1 capital
Data updated July 2026
The verdict
Citizens Bank and Trust Company of Grainger County earns a PlainBankData health grade of A (83/100), with well-capitalized at 14.33% Tier 1, profitable at 1.13% ROA, 62% efficiency ratio.
- #2,632
- largest of 4,313 FDIC banks by assets
- 39th
- percentile by asset size, nationally
- 14.33%
- Tier 1 ratio - above the 10% well-capitalized line
- 52nd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Citizens Bank and Trust Company of Grainger County's 83/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Citizens Bank and Trust Company of Grainger County's composite health score
Tier 1 Capital Ratio (14.33%) 35/40
Return on Assets (ROA) (1.13%) 20/25
Texas Ratio (1.80%) 20/20
Efficiency Ratio (62.05%) 8/15
83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$242M
Customer-funded liabilities
Net Loans
$112M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Citizens Bank and Trust Company of Grainger County ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Bank and Trust Company of Grainger County's score of 83/100 falls in the highlighted band.
Citizens Bank and Trust Company of Grainger County's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Citizens Bank and Trust Company of Grainger County's $273M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.33% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.33%
Texas Ratio
1.80%
Equity Capital
$29M
Profitability metrics
Return on Assets (ROA)
52nd percentile nationally
1.13%
Return on Equity (ROE)
11.51%
Efficiency Ratio
62.05%
What the numbers say about Citizens Bank and Trust Company of Grainger County
Citizens Bank and Trust Company of Grainger County is an FDIC-insured institution (Certificate #10317) headquartered in Rutledge, Tennessee, established in 1919. It holds $273M in total assets - 2,632nd of 4,313 FDIC-insured banks, $242M in customer deposits, and $112M in net loans. Its capital position: a Tier 1 ratio of 14.33%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 1.80% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (83 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Citizens Bank and Trust Company of Grainger County sits 79th of 111 banks headquartered in Tennessee by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$11M
Interest Income
$1M
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Bank and Trust Company of Grainger County reports a Texas Ratio of 1.80% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.80% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Tennessee by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Bank and Trust Company of Grainger County (FDIC Cert #10317) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Tennessee
All Tennessee banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First Horizon BankMemphis | $83.6B | B | 1.35% |
| Pinnacle BankNashville | $57.6B | A | 1.25% |
| FirstBankNashville | $16.3B | B | 0.89% |
| Wilson Bank and TrustLebanon | $5.9B | A | 1.38% |
| SmartBankPigeon Forge | $5.9B | B | 1.00% |
| SouthEast BankFarragut | $3.5B | C | 0.68% |
| Home Federal Bank of TennesseeKnoxville | $2.7B | C | 0.21% |
| Builtwell BankChattanooga | $2.3B | A | 2.07% |
Frequently asked questions
What is Citizens Bank and Trust Company of Grainger County's health grade?▼
Citizens Bank and Trust Company of Grainger County receives a health grade of A (83/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Citizens Bank and Trust Company of Grainger County?▼
Citizens Bank and Trust Company of Grainger County holds $273M in total assets and $242M in deposits, ranking 2,632nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Rutledge, Tennessee.
Is my money safe at Citizens Bank and Trust Company of Grainger County?▼
Yes, deposits at Citizens Bank and Trust Company of Grainger County (Certificate #10317) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Citizens Bank and Trust Company of Grainger County's Tier 1 Capital Ratio?▼
Citizens Bank and Trust Company of Grainger County has a Tier 1 Capital Ratio of 14.33%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Citizens Bank and Trust Company of Grainger County?▼
Citizens Bank and Trust Company of Grainger County has a Texas Ratio of 1.80%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Citizens Bank and Trust Company of Grainger County?▼
Citizens Bank and Trust Company of Grainger County has an Efficiency Ratio of 62.05%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Citizens Bank and Trust Company of Grainger County's profile as a depositor or analyst.
- Citizens Bank and Trust Company of Grainger County's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens Bank and Trust Company of Grainger County against other Tennessee banks before moving funds. Tennessee banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.